Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 16, 2021

Advertiser Disclosure

Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

When looking for a pet insurance company, there are a lot of different companies that are good, solid providers with great coverage.

Petplan vs PetFirst are among the best and offer well-rounded comprehensive insurance at competitive prices.

We took an in-depth look at the two to see how these pet insurance companies compare.

So who has the best pet insurance?

Let’s find out!

Related: 10 Things You Must Know Before You Buy Pet Insurance

Petplan vs PetFirst: Pet Insurance Throwdown

A dog with 2 choices of food in bowls
Both Companies Are Great! But Which Is Better?

Petplan is one of the top providers for a reason.

They have great coverage and are one of the few that includes the exam fee when seeing your vet.

Customer service is always available and they have different coverage packages to adjust your budget.

There are no age restrictions which is always a benefit.

PetFirst, while not as well-known as Petplan, is also a solid provider with excellent coverage.

PetFirst will also insure pets of any age and has a very short waiting period for hip dysplasia.

They also include the vet exam fee as part of their coverage.

PetFirst offers wellness plans for preventative care procedures.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

Pet Plan vs Pet First – Full Coverage Comparison

Petplan and PetFirst both offer well-rounded comprehensive coverage for cats and dogs that includes all illness and accidents.



Where PetFirst outdoes Petplan is their inclusion of exam fees and prescriptions without any limits.


Pet plan:

Petplan coverage includes all congenital conditions like allergies as well as hereditary conditions.

What stands out about Petplan is they offer an allowance of up to $650 for dental care including periodontal disease.

All specialists are included in Petplan’s coverage including cardiologists and oncologists.

Hip dysplasia is even covered after 15 days if it isn’t pre-existing.

Both Petplan and PetFirst do cover the exam fees when visiting the vet which can be very helpful in offsetting some of the costs.

Pet First:

PetFirst also has different options of coverage, all of which are very comprehensive.

What makes PetFirst stand out is that they reimburse for all exam fees – routine or specialist.  With a very short waiting list for patella issues or hip dysplasia of 2 weeks, PetFirst has you covered!

If holistic care is of interest to you, PetFirst includes holistic care in all of their plans as well as alternative therapy options.

Prescription medication is also paid for which can help you save money.

With all of these different coverage inclusions, PetFirst can save you money.

Wellness plans are also available if this is of interest to you.  It gives you an allowance towards routine care.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

PetFirst vs Pet Plan Benefit Limits Compared

When looking at benefit limits, Pet plan has an advantage over Pet First.

Pet plan pet insurance has many benefit limit ranges from a low of $2,500 to unlimited.

With all the different benefit limits offered, it can be advantageous in helping you budget the costs.

The unlimited benefit option is only available, however, in their most expensive plan.

They have no restrictions on lifetime or per-condition limits which is what you want in a policy.

If your cat has a serious disease like cancer that needs continuous treatment, you only need to meet the limit one time.

Pet First pet insurance offers 3 different benefit limit amounts and range from $5,000 to $20,000.

PetFirst pet insurance, like Petplan pet insurance, doesn’t use a per incident or per condition limit which is always preferred but their $20,000 limit can be hit very quickly if your cat or dog gets very hurt or sick.

The $5,000 limit has a standard deductible level but the $20,000 plan can get a little pricey.

In fact, their pricing in their $20,000 limit plan is more expensive than all of Healthy Paws plans which all offer unlimited benefits.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

PetPlan Insurance vs PetFirst Insurance – Deductibles Compared

Petplan and PetFirst both offer annual deductible options.

Yet, with Petplan, you can choose between an annual deductible and a per-incident deductible.

Petplan has deductibles starting at $100 and go to as high as $2,500.

As mentioned above, you have the choice of either a one-time deductible or one that is based on a condition.

A per-condition deductible can be beneficial if you have a dog that has a serious disease like cancer as you meet the deductible only one time and you’re done.

But, if your dog gets an ear infection, you would have to pay another deductible for that infection. So, it can get costly if that is the case.

PetFirst also offers many deductible choices: $50, $100, $250, and $500. The $50 choice is one of the lowest deductibles offered in the market.

Both annual deductible plans allow you to either choose a higher deductible and a lower premium or the reverse.

Reimbursement Compared – PetPlan Pet Insurance vs PetFirst Pet Insurance



Petplan and PetFirst both offer the same reimbursement structure and use an actual cost model.

Both Petplan and PetFirst have ranges of 70% to 90% for reimbursement.

They pay off the actual vet bill which is always the preferred choice.


PetPlan vs PetFirst Pricing Compared

Pet plan vs PetFirst insurance are both competitively priced, but with Petplan, you get a little more bang for your buck!

Petplan’s pricing is standard for the industry while offering many treatments and services that other’s don’t include (like the dental allowance).

PetPlan Discounts

  • When you register online, you can get a discount.
  • Military service dogs and personnel also get discounts.

Pet Plan Average Premiums

  • Monthly average premiums for dogs can start as low as $27
  • Monthly average premiums for cats can start at $16

PetFirst has very low prices on the lower-tiered plans, but the upper tired plans can be a little pricier than most.

Pet First Discounts

  • A $20 discount is included if you purchase your pet insurance online
  • If your pet is healthy, you can get a $50 discount
  • Discounts are also available (from 5 to 10%) if you pay your entire bill up front
  • Discounts available for multiple pets
  • Discounts available for military and corporate employees

PetFirst Average Premiums

  • Monthly average premiums for dogs on the lower plan are $17 a month
  • Monthly average premiums for cats on the lower plan are $9 per month

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

Sample Quotes For PetPlan vs PetFirst

All of these quotes when possible used the following factors in calculating the estimated pet insurance premium cost for your dog in 2021. 

When possible the data we entered for these prices was as follows; a female, puppy under the age of 12 months, with unlimited coverage (or max offered when unlimited not an option), a $500 deductible, and 70% reimbursement. We did not include the wellness checkup add-on when available. 

Keep in mind that insurance rates are ever-changing and what seems like minor changes such as, your zip code or breed can actually make a major impact on the cost of pet insurance. 

These Pet Insurance Company Price charts are a good tool, not a guarantee of rates, do your own research before you buy. 

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after paying the first-month extra charge.

**Trupanion only offers 90% reimbursement, all other companies’ sample quotes are based on a 70% reimbursement policy which is why Trupanion may appear to cost more. 

PetPlan Pet Insurance vs PetFirst – Small Mixed Breed Costs Compared

CompanyMonthly Premium
PetPlan Pet Insurance$29.76
PetFirst Pet Insurance$31.05
Get Your Rates Quote Now

Compare RatesStart Now →

Medium Crossbred Dogs Price Differences For Pet First Pet Insurance vs PetPlan

CompanyMonthly Premium
PetFirst Pet Insurance$34.17
PetPlan Pet Insurance$39.83
Get Your Rates Quote Now

Compare RatesStart Now →

Comparison Of Cost For Large Mixed Breed Dogs – Pet Plan vs PetFirst

CompanyMonthly Premium
PetFirst Pet Insurance$40.4
PetPlan Pet Insurance$53.70
Get Your Rates Quote Now

Compare RatesStart Now →

Labrador Retriever Costs PetFirst Insurance vs PetPlan Insurance

CompanyMonthly Premium
PetFirst Pet Insurance$41.36
PetPlan Pet Insurance$47.96
Get Your Rates Quote Now

Compare RatesStart Now →

German Shepherd Costs PetPlan vs Pet First

CompanyMonthly Premium
PetFirst Pet Insurance$37.22
PetPlan Pet Insurance$55.77
Get Your Rates Quote Now

Compare RatesStart Now →

Poodle Costs PetFirst Insurance vs PetPlan Insurance

CompanyMonthly Premium
PetFirst Pet Insurance$34.79
PetPlan Pet Insurance$42.88
Get Your Rates Quote Now

Compare RatesStart Now →

Beagle Costs Pet First vs PetPlan

CompanyMonthly Premium
PetFirst Pet Insurance$42.55
PetPlan Pet Insurance$44.51
Get Your Rates Quote Now

Compare RatesStart Now →

Dachshund Costs PetPlan vs PetFirst Insurance

CompanyMonthly Premium
PetFirst Pet Insurance$36.28
PetPlan Pet Insurance$36.99
Get Your Rates Quote Now

Compare RatesStart Now →

PetPlan vs PetFirst prices are very similar on some smaller breeds of dogs. In most cases PetFirst seems to have better pricing than PetPlan but in other breeds the other one will have lower costs. 

You will have to compare all the factors to make a decision as the prices are pretty similar across the board. 

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

Claims And Service Compared

Petplan vs PetFirst both offer excellent customer service and payment of claims.

They are both know to handle claims efficiently and reimburse quickly.

Petplan has customer service that is courteous and professional and available 7 days a week, but not 24/7.

Pet plan insurance does offer a vet service which is what the call “Telehealth” that is available to answer all your questions about the health of your pet.

Claims are generally handled within one to two weeks.

Pet First insurance, like Embrace, offers a healthy pet discount every year you don’t make a claim which is a very nice perk.

The claims procedure is standard of most.

There are several options for submitting your claim and via:

  • MyPets Portal (you can check the status of your claim here too)
  • Email
  • Fax
  • Standard Mail

Like Petplan, they will reimburse you within 5 to 14 days.

Waiting Periods and Enrollment Compared

Both Petplan and PetFirst have short waiting periods but PetFirst covers hip dysplasia after only 14 days. And neither has an upper age limit.

Enrollment in Petplan for puppies and kittens can start at six weeks. Pets of all ages are welcome.

Accident coverage starts five days after enrollment and sicknesses have the typical 15 day waiting period.

Petplan does allow you the option of enrollment without first seeing your vet, but you must do so within the first 30 days.

PetFirst stands out with their very short waiting periods.

As mentioned above, PetFirst covers hip dysplasia with a short wait of 14 days. Most pet insurance companies (except Figo), will only cover hip dysplasia after a year!

Enrollment is super-easy with PetFirst.  They don’t require a vet exam prior to enrollment. Their accident coverage begins with one day and illnesses are covered after 14 days.

Like Petplan, cats and dogs of any age can be covered for their life.

Puppy and kitten enrollment starts at 8 weeks old.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

In Conclusion – PetPlan vs PetFirst

So, there you have it!

Both Petplan and PetFirst are excellent companies with good coverage and don’t discriminate on age.

If you are looking for some other top pet insurance providers for additional quotes, make sure to take a look at our top 10 pet insurance companies for 2020.


Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance

Pet Insurance Companies Vs Compared

Figo vs Nationwide

Healthy Paws vs. Embrace Pet Insurance

Healthy Paws vs PetPlan

Healthy Paws vs Nationwide

Healthy Paws vs Trupanion

Trupanion vs Nationwide

Embrace vs Petplan

Healthy Paws vs Pets Best

Nationwide vs Embrace

Healthy Paws vs PetFirst

Healthy Paws vs Figo

Nationwide vs PetPremium

PetPlan vs Trupanion

Figo vs Trupanion